Banks are known as business entities that carry out activities based on public trust, especially customers who deposit funds. To keep the bank running well, it is an important role to supervise the bank so that the customer's money stored in a bank is guaranteed safe. a bank remains secure. Crime modes due to advances in information technology are the initial value in the existence of cybercrime, one of which is skimming crimes on ATM machines. The purpose of this study is to find out how the bank's accountability and protection obtained by customers who are victims of card skimming. The research method used is normative juridical which is sourced from secondary data by knowing and explaining legal facts. The results of this study are the bank's civil responsibilities to customers who suffer losses due to skimming cards as follows: settlement of complaints according to the circular letter of the Financial Services Authority Number 2/SEOJK.07/2014, legal protection according to Law Number 10 of 1998, Law Number 8 1999 concerning Consumer Protection, Law Number 21 Year 2011 concerning OJK namely the bank is obliged to provide compensation if the error is not due to the negligence of the customer. The obstacles faced by Bank BRI are as follows: customers do not directly prevent machines from losing their ATM cards, lack of understanding of the importance of using ATMs according to procedures.